Buy Cheap Lodi, CA Auto Insurance (2021)

Lodi, CA auto insurance rates average $290 a month. Minimum auto insurance requirements in Lodi, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Lodi, CA, compare Lodi auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Lodi is Farmers
  • Average auto insurance rates in Lodi, CA are $290/month
  • Average auto insurance rates in Lodi, CA for teens drivers are $5,847/year

Finding affordable Lodi, California auto insurance can be challenging, but everything you need to know to buy cheap Lodi, CA auto insurance with confidence is right here. Auto insurance rates in Lodi are affected by local factors as well as personal ones like your driving record.

See how Lodi, CA car insurance rates compare to Long Beach auto insurance rates, San Francisco auto insurance rates, and Fresno auto insurance rates before you read more about the cost of auto insurance in Lodi.

Don’t buy Lodi, CA auto insurance until you’ve compared rates. Get free Lodi, California auto insurance quotes when you enter your ZIP code above.

Lodi, CA Minimum Auto Insurance Requirements

The required auto insurance in Lodi, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Lodi, California is outlined here.

Minimum Required Auto Insurance Coverage in Lodi, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Buy Cheap Lodi, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lodi, California auto insurance rates? Find out how car insurance rates in Lodi, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lodi, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,934 $2,939 $2,132 $2,153 $8,064 $10,143 $3,749 $4,123
Farmers $2,566 $2,566 $2,312 $2,312 $8,162 $13,370 $3,038 $3,381
GEICO $1,686 $1,687 $1,586 $1,586 $5,095 $5,183 $2,417 $2,474
Liberty Mutual $2,130 $2,015 $1,979 $1,917 $4,606 $4,911 $2,398 $2,423
Nationwide $2,998 $2,862 $2,639 $2,488 $7,584 $8,391 $3,574 $3,522
Progressive $1,551 $1,593 $1,331 $1,570 $4,142 $4,963 $2,232 $2,394
State Farm $3,177 $3,177 $2,836 $2,836 $5,844 $7,262 $3,516 $3,623
Travelers $2,424 $2,349 $2,141 $2,118 $4,982 $5,704 $3,149 $3,084
USAA $1,818 $1,724 $1,772 $1,781 $4,146 $4,162 $2,508 $2,372

Buy Cheap Lodi, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lodi can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lodi, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lodi, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,064 $10,143
Farmers $8,162 $13,370
GEICO $5,095 $5,183
Liberty Mutual $4,606 $4,911
Nationwide $7,584 $8,391
Progressive $4,142 $4,963
State Farm $5,844 $7,262
Travelers $4,982 $5,704
USAA $4,146 $4,162

Buy Cheap Lodi, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Lodi, California by comparing Lodi senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lodi, CA here.

Annual Auto Insurance Rates for Senior Drivers in Lodi, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,132 $2,153
Farmers $2,312 $2,312
GEICO $1,586 $1,586
Liberty Mutual $1,979 $1,917
Nationwide $2,639 $2,488
Progressive $1,331 $1,570
State Farm $2,836 $2,836
Travelers $2,141 $2,118
USAA $1,772 $1,781

Find Cheap Auto Insurance Rates in Lodi, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lodi, California auto insurance. Compare Lodi, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lodi, California

Insurance Company Low Medium High
Allstate $4,267 $4,572 $4,751
Farmers $4,388 $4,749 $5,003
GEICO $2,440 $2,746 $2,958
Liberty Mutual $2,601 $2,822 $2,969
Nationwide $3,787 $4,339 $4,645
Progressive $2,188 $2,556 $2,673
State Farm $3,625 $4,107 $4,370
Travelers $2,839 $3,328 $3,565
USAA $2,291 $2,586 $2,729

Find Cheap Lodi, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lodi. Compare auto insurance rates in Lodi, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lodi, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,078 $4,981
Farmers $4,277 $5,150
GEICO $2,466 $2,963
Liberty Mutual $2,568 $3,027
Nationwide $3,765 $4,749
Progressive $2,242 $2,703
State Farm $3,886 $4,181
Travelers $2,919 $3,569
USAA $2,336 $2,735

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lodi, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Lodi, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lodi, CA to see how much where you live in Lodi affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Lodi, California

ZIP Code Average Annual Rates
95240 $4,825
95242 $4,677

Find Cheap Lodi, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Lodi, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lodi, CA, take a look at the average cost for various violations versus rates for a clean driving record in Lodi.

Annual Lodi, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,728 $4,587 $7,224 $3,580
Farmers $3,485 $4,745 $5,911 $4,712
GEICO $1,900 $2,923 $3,678 $2,357
Liberty Mutual $2,427 $3,252 $2,936 $2,573
Nationwide $2,970 $3,812 $6,435 $3,812
Progressive $1,620 $2,755 $3,179 $2,334
State Farm $2,878 $3,433 $6,485 $3,340
Travelers $2,169 $3,525 $4,098 $3,184
USAA $1,685 $2,506 $4,104 $1,846

Find Cheap Lodi, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lodi, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Lodi for less when you shop around and compare rates from multiple Lodi, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lodi, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,224
Farmers $5,911
GEICO $3,678
Liberty Mutual $2,936
Nationwide $6,435
Progressive $3,179
State Farm $6,485
Travelers $4,098
USAA $4,104

Winners by Category: Where to Buy Cheap Auto Insurance in Lodi, CA

Compare rates from the cheapest auto insurance companies in Lodi, CA for your needs. Take a look at how Lodi, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Lodi, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lodi, California Auto Insurance Companies

If you’re looking for the cheapest Lodi, CA auto insurance companies overall, you can compare them here. Find the best price for Lodi, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Lodi, California

Insurance Company Average Annual Rates
Allstate $4,530
Farmers $4,713
GEICO $2,714
Liberty Mutual $2,797
Nationwide $4,257
Progressive $2,472
State Farm $4,034
Travelers $3,244
USAA $2,535

What affects Lodi, California auto insurance rates?

Local factors affect auto insurance rates in Lodi, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lodi auto insurance rates.

Auto Theft in Lodi

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lodi, CA auto theft show a total of 342 vehicle thefts annually.

Commute Times in Lodi

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lodi, CA is 26.3 minutes according to City-Data.

Traffic in Lodi

How is traffic in Lodi, California? Inrix data shows that Lodi, CA traffic makes it the 464th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lodi, CA

You can buy cheap Lodi, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lodi, California auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption